The American Express is a personal loan from American Express. Application typically pulls a hard report from Experian. The annual fee is 21 € /mois*. Approval typically requires a credit score of 760-780 or higher. Signup bonus: 20 000 Miles Flying Blue offerts*. Rewards: 35 000 Miles Flying Blue Offerts*. Application rules: Recon: (800) 567-1083. EXPERT REFERENCE (Dec 2025): Approved for a $45,000 personal loan with no documentation required and no hard credit pull. | EXPERT REFERENCE (Dec 2025): Loan funded within 2 hours of application. | EXPERT REFERENCE (Dec 2025): Applicant had a credit score in the high-800s, sometimes reaching 850. | EXPERT REFERENCE (Dec 2025): Applicant had been with Amex for approximately 12 years. | EXPERT REFERENCE (Dec 2025): Applicant maintained multiple Amex cards with around $10K limits each. | EXPERT REFERENCE (Dec 2025): Applicant kept total utilization under 1% and had no revolving credit card debt for ~5 years. | EXPERT REFERENCE (Dec 2025): Applicant's income was around $130K.